The difference between company social security and flexible employment social security.

The biggest difference between social security for flexible employees and social security for enterprise employees lies in the different fees that individuals need to pay. At the same time pay social insurance (same salary), pay in the same year and retire at the same time, and enjoy the same pension.

First of all, there are the following differences between the social security of flexible employees and the social security of enterprise employees:

1. There are different types of social security purchases. In social insurance, it is clear that work-related injury insurance and maternity insurance must be paid by the unit, so the social security of employees includes specific work-related injury insurance and maternity insurance, while the social security purchased by flexible employees in their own name cannot be purchased because there is no unit to hang it, and they cannot enjoy the treatment of work-related injury insurance and maternity insurance.

2. The purchase of social insurance requires different companies to pay social insurance. In addition to work-related injury insurance and maternity insurance, other types of insurance (endowment insurance, medical insurance and retirement insurance) are paid by individuals and units in proportion according to local policies. For example, in Guangdong, individuals need to pay 40% and units need to pay 60%. Individuals need to pay social insurance, and all the expenses incurred by other types of insurance (endowment insurance, medical insurance and retirement insurance) shall be borne by individuals in full.

3. In terms of the types of old-age insurance, different units pay social insurance, and the old-age insurance expenses paid by units are paid into the basic old-age insurance pooling fund, and the old-age insurance expenses paid by individuals are credited to personal accounts. Individuals who pay social insurance need to pay the old-age insurance premium in full, which are credited to the basic old-age insurance pooling fund and personal account respectively. Compared with the company's social security, individuals need to pay all the parts that the company needs to pay when paying social security, so the expenses incurred by individuals in purchasing social security are relatively high.

Second, compared with the same situation, retirement enjoys the same pension.

Pensions are influenced by wages, local policies, total time of participation and retirement time of citizens. If you buy at the same time under the same circumstances, you will enjoy the same retirement pension. According to the Social Insurance Law, endowment insurance is divided into basic endowment insurance pooling fund and individual account.

Whether the company purchases social security or the individual purchases social security, they are accounted for separately according to the proportion required by the old-age insurance (the company social security only needs to pay the individual part, and the individual purchase needs to be paid in full, but it is accounted for separately). So in the case of applying for the same salary, the personal account information is the same. Personal account funds affect the enjoyment of future pensions.

Therefore, if two people apply for both unit insurance and individual insurance in a city, and the salary at the time of applying for purchase is the same, and there is no related salary change during the period, the pension they apply for is the same after reaching the local retirement and social security years. Legal basis: Article 10 of the Social Insurance Law of People's Republic of China (PRC) * * * Employees shall participate in the basic old-age insurance, and both employers and employees shall pay the basic old-age insurance premium.

Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employer and other flexible employees can participate in the basic old-age insurance, and individuals pay the basic old-age insurance premium.

The measures for the endowment insurance of civil servants and staff managed by reference to the Civil Service Law shall be formulated by the State Council.